INDS vs SCHD
Pacer Industrial Real Estate ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | INDS | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.06% | |
| AUM | $119M | $103.7B | |
| Dividend Yield | 3.37% | 3.31% | |
| Holdings | 38 | 104 | |
| YTD Return | +13.31% | +24.26% | |
| 1Y Return | +19.57% | +31.38% | |
| 3Y Return (annualized) | +6.08% | +15.08% | |
| 5Y Return (annualized) | +0.83% | +9.72% | |
| Volatility (annualized) | 20.6% | 13.6% | |
| Max Drawdown | -40.2% | -33.4% | |
| Fund Family | Pacer ETFs | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | May 14, 2018 | Oct 20, 2011 |
INDS vs SCHD Performance
Pacer Industrial Real Estate ETF (INDS) is a ETF from Pacer ETFs and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year INDS returned +19.57% while SCHD returned +31.38%. Year to date, INDS is up 13.31% versus a gain of 24.26% for SCHD.
Over three years, INDS compounded at +6.08% per year against +15.08% for SCHD; over five years the annualized figures are +0.83% and +9.72% respectively. Across the full 8-year window we track, SCHD has the edge at +11.39% annualized vs +8.57%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
INDS has been the more volatile fund, with annualized monthly volatility of 20.6% compared with 13.6% for SCHD. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -40.2% for INDS and -33.4% for SCHD. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.68. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
INDS charges 0.49% per year while SCHD charges 0.06%. On a $10,000 position that is $49 vs $6 annually, a gap of $43 per year that compounds over a long holding period. On income, INDS currently yields 3.37% against 3.31% for SCHD.
Holdings Overlap
INDS and SCHD share 0 holdings out of 133 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, INDS or SCHD?
INDS has an expense ratio of 0.49% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $43 per year of difference.
Which performed better, INDS or SCHD?
Over the past year INDS returned +19.57% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (8 years), INDS annualized +8.57% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, INDS or SCHD?
INDS has been the more volatile fund at 20.6% annualized versus 13.6% for SCHD. Worst drawdown: INDS -40.2% vs SCHD -33.4%.
Should I hold both INDS and SCHD?
INDS and SCHD have a monthly-return correlation of 0.68, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between INDS and SCHD?
INDS and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 133 unique securities.
Which pays a higher dividend, INDS or SCHD?
INDS yields 3.37% while SCHD yields 3.31%, so INDS currently pays the higher dividend yield.
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